Partners in Payment
Partners in Payment is a US-based payment processing provider offering dual pricing (PiP Zero), automotive-compliant dealer programs, virtual terminal acceptance, and at-cost hardware to SMB merchants across automotive, retail, non-profit, professional services, and other verticals via direct local-rep sales.
- Company typePrivate
- Founded2009
- HeadquartersNew Orleans, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Partners in Payment does
Partners in Payment is a US-based, privately held payment processing provider founded in 2009 and headquartered in New Orleans, operating with 11–50 employees. The company delivers a full-service payment acceptance platform built around dual pricing — the ability for merchants to post separate cash and card prices and thereby shift credit card processing fees onto card-paying customers. Its core product, PiP Zero, is a subscription-based dual pricing program offered at $49.95 per month for automotive dealers and complemented by a Flex rate-match plan at $34.95 per month for non-PiP Zero volume, with hardware (terminals, POS, swipers) sold at cost. Additional products include PiP Zero Automotive (a dealer-compliant variant with on-site support and a reconciliation data lake), PiP Virtual Terminal (web-based e-commerce, recurring billing, and pay-by-text acceptance), and Casa POS (a linked hospitality point-of-sale solution).
The underlying technology is a conventional payment processing platform supporting in-store contactless payments, virtual terminal transactions, POS integration, and dual-pricing workflows, with no disclosed proprietary AI, machine learning, or fraud-engine components. Partners in Payment serves SMB merchants across multiple verticals, with automotive dealers and retail stores as primary segments and non-profits, professional services, B2B, restaurants, churches, and pop-up/event operators as secondary segments. The go-to-market is a direct sales model executed through local representatives who guide merchants through solution selection, registration, and plug-and-play equipment installation, supplemented by a self-serve customer portal. Revenue is generated primarily through recurring monthly subscription fees on dual-pricing and Flex programs, transaction-based surcharge and convenience fees, and at-cost hardware sales — making the model largely subscription-driven with modest per-merchant economics.
Partners in Payment firmographics
Firmographics- Name
- Partners in Payment
- Legal name
- Partners in Payment
- Website
- https://partnersinpayment.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Partners in Payment is a US-based payment processing provider offering dual pricing (PiP Zero), automotive-compliant dealer programs, virtual terminal acceptance, and at-cost hardware to SMB merchants across automotive, retail, non-profit, professional services, and other verticals via direct local-rep sales.
- Ownership category
- akta.pro rank
Partners in Payment industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- akta.pro primary industry
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)
- akta.pro secondary industries
- Card-Present Acquirers (Retail & POS Focus) (FSAMABAC), Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD), Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
Keywords
Where Partners in Payment is headquartered
LocationHeadquarters
- HQ city
- New Orleans
- HQ country
- United States
- HQ region
- North America
Markets served
Partners in Payment business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Supply Chain, Others
Revenue model
- Dual Pricing Program Fees: Merchants pay monthly subscription fees for dual pricing programs (PiP Zero) and save on processing costs by offering cash and card price differentials. Revenue comes from monthly service fees charged to merchants.
- Flex Pricing Plan: Monthly subscription service with rate match guarantee for non-PiP Zero volume, charging $34.95 per month.
- Hardware Sales: Terminals, POS systems, and card readers sold to merchants at cost, generating minimal margin.
- Surcharge and Convenience Fees: Additional fee structures including surcharge, convenience fees, and service fees for various payment methods.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | PiP Zero Automotive - Dual pricing for cash and card |
| Subscription | Monthly | Flex Plan - Rate match guarantee |
| Unit Pricing | Pay-as-you-go | Hardware - Priced at cost |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels1 record
Partners in Payment product offering
Product offeringCore offering
Partners in Payment is a full-service payment processing provider selling subscription-based dual pricing programs (PiP Zero) that let merchants post separate cash and card prices to recover credit card processing fees. Offerings extend to an automotive-compliant dual pricing variant (PiP Zero Automotive), a web-based PiP Virtual Terminal for e-commerce, recurring, and pay-by-text transactions, the Flex rate-match program, payment hardware at cost, and the Casa POS hospitality solution. The company serves SMB retailers, automotive dealers, professional services, non-profits, restaurants, churches, and B2B businesses across the United States.
Product overview
Partners in Payment is a full-service payment processing provider offering a portfolio of solutions centered around dual pricing programs. The core product is PiP Zero, a dual pricing program that allows merchants to set different prices for cash and card transactions, recovering processing fees. PiP Zero Automotive extends this with dealer-specific compliance and support. PiP Virtual Terminal enables e-commerce, recurring payments, and pay-by-text functionality. Additional offerings include the Flex pricing program (rate match guarantee) and hardware at cost. Casa POS serves as a related point-of-sale solution for Casa/hospitality merchants.
Differentiator
Problem solved
Functional benefit
Brands
- PiP Zero: Dual pricing program that allows merchants to offer cash and card prices, potentially eliminating processing costs.
- PiP Zero Automotive
- PiP Virtual Terminal
Products and services
- PiP Zero Dual pricing program allowing merchants to post separate cash and card prices, plus surcharge, convenience, and service fees, to reduce or eliminate credit card processing costs. Targets SMB retailers seeking margin protection.
- PiP Zero Automotive Automotive-compliant dual pricing subscription ($49.95/month) tailored for car dealers, including department-specific solutions, lower commission offsets, full reconciliation data lake, and dedicated on-site support from the Dealer Cost Control team.
- PiP Virtual Terminal Web-based payment processing solution supporting e-commerce plug-ins, pay-by-text, recurring payments, payment links, and B2B invoicing for non-profits, professional services, B2B firms, restaurants, churches, and pop-ups.
- Flex Monthly subscription ($34.95/month) offering a rate match guarantee for non-PiP Zero processing volume, providing competitive processing rates for merchants who do not adopt dual pricing.
- Hardware Payment terminals, POS systems, and card swipers sold to merchants at cost with no markup, available as plug-and-play equipment installed with rep support.
- Casa POS Related point-of-sale solution for Casa/hospitality merchants, offered as a sub-brand within the Partners in Payment family.
Quantifiable outcome
- Processing costs reduced to zero or near-zero through dual pricing
Companies that use Partners in Payment
Customer profileNamed customers2 records
Segments8 records
Ideal customer profiles3 records
Partners in Payment technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Partners in Payment partnerships and signals
Strategic signalRecent moves5 records
Expansion highlights4 records
Partners in Payment competitors and assessment
Company assessmentEmerging players
- Toast: Toast is a vertically-focused restaurant POS and payments platform. It is comparable as a verticalized POS-plus-payments platform similar in spirit to PiP's automotive specialization and Casa POS restaurant offering.
Direct peers
- Helcim: Helcim is a SMB-focused payment processor offering transparent interchange-plus pricing, virtual terminal, and POS tools. It overlaps directly with PiP's core payment processing, virtual terminal, and SMB merchant focus.
- Payment Depot: Payment Depot is a wholesale-style payment processor focused on SMB merchants with subscription and interchange-plus pricing. It is a close comparable in business model and target customer to Partners in Payment.
- National Processing: National Processing is a US SMB payment processor with dual pricing and surcharge programs and direct sales GTM. It is a directly comparable peer in dual-pricing positioning and target merchant base.
- Stax: Stax is a subscription-based payment processor targeting SMBs with monthly pricing models and interchange-plus transparency. It competes head-to-head with PiP's Flex subscription and dual-pricing positioning among cost-sensitive merchants.
- Dharma Merchant Services: Dharma Merchant Services is a US payment processor known for transparent pricing and dual-pricing/surcharge programs for SMBs. It directly parallels PiP Zero's cost-recovery value proposition.
Broad incumbents
- Square (Block): Square is a leading SMB payment processor and POS software provider offering integrated card-present processing, virtual terminal, and hardware. It is a broad incumbent in the same integrated POS-payments category Partners in Payment targets, with much larger scale.
- Clover (Fiserv): Clover, owned by Fiserv, provides integrated POS hardware and software with payment processing for SMBs. It is a broad incumbent competing with PiP's Casa POS and integrated processing offering.
- Stripe: Stripe is a leading payment processor with strong virtual terminal, online checkout, and developer-friendly APIs. It overlaps with PiP's PiP Virtual Terminal and e-commerce/recurring capabilities, particularly for B2B and online merchants.
- PayPal Zettle: PayPal/Zettle provides integrated card-present processing, POS hardware, and software for small merchants globally. It is a broad incumbent in the same integrated SMB payments space Partners in Payment addresses.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Partners in Payment social profiles
Digital presencePartners in Payment financial estimates
Financial estimateRevenue estimate
Valuation estimate
Partners in Payment leadership team
Management profileNumber of profiles
Partners in Payment funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Partners in Payment M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Partners in Payment
What does Partners in Payment do?
Partners in Payment is a full-service payment processing provider selling subscription-based dual pricing programs (PiP Zero) that let merchants post separate cash and card prices to recover credit card processing fees. Offerings extend to an automotive-compliant dual pricing variant (PiP Zero Automotive), a web-based PiP Virtual Terminal for e-commerce, recurring, and pay-by-text transactions, the Flex rate-match program, payment hardware at cost, and the Casa POS hospitality solution. The company serves SMB retailers, automotive dealers, professional services, non-profits, restaurants, churches, and B2B businesses across the United States.
Is Partners in Payment a public or private company?
Partners in Payment is a private company. It is classified as unknown and is currently operating.
When was Partners in Payment founded?
Partners in Payment was founded in 2009. It employs 11 to 50 people.
Where is Partners in Payment based?
Partners in Payment is headquartered in New Orleans, United States, in the North America region.
How does Partners in Payment make money?
Four revenue lines are on record. Dual Pricing Program Fees are the primary driver. The others are flex Pricing Plan, hardware Sales and surcharge and Convenience Fees.
Who are Partners in Payment's main competitors?
Toast is listed as an emerging player. Direct peers are Helcim, Payment Depot, National Processing, Stax and Dharma Merchant Services. Broad incumbents are Square (Block), Clover (Fiserv), Stripe and PayPal Zettle.
Does Partners in Payment have an API?
No public API is recorded for Partners in Payment.
What industry is Partners in Payment in?
Partners in Payment's product category is Payment Processing Services. Its primary akta.pro industry code is FSAMABAA, Integrated Payment Processors (PSP/Acquirer), with a secondary code of FSAMABAC, Card-Present Acquirers (Retail & POS Focus). Its NAICS code is 522320.